With 15 years in the insurance industry, Terence Lio has seen countless careers rise — and understands exactly what it takes to build one that’s not just successful but deeply rewarding.

For Terence, this career is about mentorship, mindset, and meaningful transformation. While the financial rewards in this industry are abundant, he believes that true success only comes with the right guidance, support, and heart.

As an Agency Leader, Terence takes pride in the journeys of his team members — especially those who begin with no experience but go on to surpass even their own expectations. One of his most memorable moments was helping a candidate with no financial background discover her calling in insurance. Today, she’s a consistent top performer — proof that with belief and the right mentorship, anyone can succeed.

Guiding Principles:

Provide Real Support

“People don’t succeed on information alone — they need someone who truly believes in them, walks with them, and helps them grow.”

Focus on Impact, Not Just Income

“Money will come — but lasting fulfilment comes from knowing you’ve made a real difference in someone’s life.”

Care First, Always

“No one cares what you know until they know how much you care. Leadership and success both start with genuine care.”

Belief:

“The most successful people in this business are the ones who care deeply — for their clients, their teams, and the lives they touch.”